Call reports 2003
ENVISION BANK — 2003
What ENVISION BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 318,229,000 | 325,338,000 | 327,271,000 | 328,393,000 |
| Total loans | 171,324,000 | 175,590,000 | 180,661,000 | 184,151,000 |
| Allowance for loan losses | 1,493,000 | 1,488,000 | 1,537,000 | 1,592,000 |
| Securities available for sale | 122,491,000 | 121,959,000 | 121,241,000 | 116,429,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,826,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,842,000 | 289,190,000 | 290,250,000 | 288,808,000 |
| Interest-bearing deposits | 261,094,000 | 265,865,000 | 266,902,000 | 266,526,000 |
| Noninterest-bearing deposits | 22,748,000 | 23,325,000 | 23,348,000 | 22,282,000 |
| Equity capital | 29,013,000 | 29,766,000 | 29,955,000 | 29,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,040,000 | 7,990,000 | 11,646,000 | 15,497,000 |
| Interest expense | 1,367,000 | 2,611,000 | 3,734,000 | 4,818,000 |
| Net interest income | 2,673,000 | 5,379,000 | 7,912,000 | 10,679,000 |
| Noninterest income | 514,000 | 1,141,000 | 1,615,000 | 2,155,000 |
| Noninterest expense | 2,133,000 | 4,339,000 | 6,511,000 | 8,846,000 |
| Provision for loan losses | 29,000 | 29,000 | 29,000 | 29,000 |
| Pretax income | 1,144,000 | 2,345,000 | 3,291,000 | 4,304,000 |
| Income tax | 378,000 | 784,000 | 1,096,000 | 1,433,000 |
| Net income | 766,000 | 1,561,000 | 2,195,000 | 2,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,787,000 | 28,631,000 | 29,261,000 | 29,610,000 |
| Total capital | 29,280,000 | 30,119,000 | 30,798,000 | 31,202,000 |
| Risk-weighted assets | 173,386,000 | 180,344,000 | 185,435,000 | 190,919,000 |